Commercial Bank International (CBI) Business Loan

Minimum Salary
600,00 د.إ

Flat Rate
9.9%

Reducing Rate
18%

Maximum Term
48 Months

Monthly Payment
AED 36,000

Description

For short- to medium-term, collateral-free financing up to AED 1 million, the Business Installment Loan is most efficient. For larger ticket, structured financing up to AED 2 million with flexible top-up and buy-out options, the Business Term Loan delivers comprehensive support.

Features

Product Suite Overview

Facility Name

Purpose

Maximum Facility

Tenor

Collateral Requirement

Business Installment Loan

CAPEX: equipment, furniture, machinery

AED 2 million¹

12–48 months

None (no collateral or security)

Business Term Loan

Working capital; CAPEX; debt consolidation

AED 1 million (new customers)

AED 2 million (top-up/buy-out)

Up to 48 months

None (collateral-free credit limit)

¹ Top-up facility available after 12 months of satisfactory performance.

Interest Rates & Charges

Interest Rates

Both facilities are offered under fixed-rate terms, with CBI’s fair pricing commitment ensuring some of the lowest comparable rates in the UAE. Rates are determined at approval and fixed for the loan duration²:

Business Installment Loan: Fixed rate (per prevailing CBI policies)
Business Term Loan: Fixed rate (per prevailing CBI policies)

Schedule of Fees (exclusive of 5% VAT)

Fee Type	Business Installment Loan	Business Term Loan
Processing Fee	2.50% of approved loan amount	2.50% of approved loan amount
Loan Top-up (after 12 months)	Free	N/A
Loan Buy-out	N/A	Free remortgage from another bank
Drawdown Disbursement	N/A	Direct debit from CBI business account
Early Settlement	As per prevailing policy²	As per prevailing policy²
Repayment Method	Automatic direct debit	Automatic direct debit
Loan Restructuring	As per CBI policy	As per CBI policy

Eligibility Criteria

Entity Type: Registered business entities in trading, manufacturing, professional, or service sectors
Operating History: Minimum 2 years of business operation
Annual Turnover: AED 2 million or above
Bank Relationship: Minimum 6 months with CBI or any other UAE bank, maintaining a minimum balance of AED 40 000
Applicant Age: 25–65 years during loan tenure

Documents Required

Completed CBI Business Loan application form
Valid Trade License and Commercial Registration certificate
Memorandum & Articles of Association (for corporate entities)
Six months of business bank statements
Audited financial statements (not required for Business Installment Loan)
Emirates ID, passport, and UAE visa copies of owners/directors
Board resolution or power of attorney authorizing borrowing (for corporate entities)

Additional Info

Collateral-Free Access: No security required for credit limits up to AED 2 million
Fast Turnaround: Credit decisions typically within 48 hours³
Fixed-Rate Certainty: Predictable instalments throughout loan tenor
Flexible Repayment: Tenure options from 12 to 48 months with automatic direct debit
Buy-out & Top-up Options: Transfer existing facilities or increase limits after satisfactory performance
Dedicated Support: Relationship managers guide clients through application, structuring, and post-disbursement stages
Transparency & Fair Pricing: Clear terms, straightforward eligibility, and competitive pricing aligned with CBI’s fair-pricing pledge

By matching your business’s cash-flow requirements, funding size, and risk appetite with CBI’s collateral-free, fixed-rate solutions, you gain transparent costs, rapid approval, and dedicated advisory support to fuel your enterprise growth.